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Last Updated on: 03/07/2023



Individuals/ Proprietors/ Partners of MSE units, Professional & Self-employed, artisans etc., primarily engaged in manufacturing and services.


To meet all business needs including working capital requirements, to take up income generating activities/self-employment against the prime security of Jewels.

Loan Amount

Minimum Loan amount of Rs.25000/- and maximum Loan amount is Rs.25 lakhs


No specific Margin is required

Rate of Interest

RLLR Minus 0.50% (Demand Loan) & RLLR Minus 0.40% (Cash Credit).At present RLLR of the Bank is 9.35%.


Gold Ornaments/ Jewellery of the borrower pledged to the Bank for the loan, will be treated as prime security


Demand Loan: Maximum 12 Months. The entire principal and interest to be repaid in part or bullet repayment any time before maturity.

Cash Credit: To be renewed once in year. Interest to be serviced as and when debited.

Processing Charges

Nil processing charges up to Loan amount of Rs. 1.00 lakh

Other Conditions

  • Udyam Registration Number/ Udyam Assist Certificate (UAC) is mandatory for Cash Credit facility.
  • Part release of the jewel is permitted in Cash Credit account.
  • Borrower can avail multiple loans subject to the maximum scheme amount. However, Cash Credit facility shall be given only under one account per borrower.

*For any further detail, please contact our nearest Branch or call on 1800 425 4445 or 1800 890 4445 (Tollfree)